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马来西亚和新加坡保险的区别【3点全面解析和3个常见问题】

马来西亚和新加坡保险的区别：3点全面解析

Malaysia Insurance vs Singapore Insurance

作为马来西亚人，如果你在新加坡工作或在马来西亚计划为自己和家人购买新加坡保险，了解两国保险市场的差异至关重要！

这些差异主要体现在产品结构、保障范围和价格方面，而这些差异背后的原因与两国的背景、监管方式以及市场定位息息相关。

1. 产品结构：套餐式 Combo vs 点餐式 Ala-carte

马来西亚的保险

马来西亚的保险通常是5合1组合型产品，更像是“套餐菜单” (Combo Menu)。它将以下五种保障结合在一份保单中：

  1. 重疾人寿险 (Critical Illness + Life Insurance)
  2. 住院险 (Hospitalisation/Medical Card)
  3. 意外险 (Personal Accident)
  4. 身故赔付 (Death Benefit)
  5. 投资 (Investment-linked Component)

这些组合型保单虽然方便，但条款复杂，客户往往需要时间去理解所有细节。同时，保费通常需要缴付终身，即便可以用保单的现金价值 (Cash Value) 缴费，但也只是短期内的缓解，无法完全豁免终身缴费的义务。

新加坡的保险

新加坡的保险则是 “点餐式”设计 （ala-carte menu)，每种保障独立成型，客户可以根据自己的需求自由搭配。这种模式的优势是：

  • 简单清晰：你可以清楚知道每一项保险的保障内容。
  • 灵活支付：许多计划允许客户只缴付一定年限的保费（如10年或20年），但保障可以覆盖一生。

对比来看，新加坡保险的独立性更强，客户可以针对自身需求量身定制，同时选择适合自己的付款年限和保障期限。

2. 保障范围：广度与深度的对比

新加坡保险的优势

  • 保障更广：新加坡保险与国际接轨，涵盖全球医疗、海外住院和多种投资选择，尤其适合经常旅行或在多个国家居住的客户。
  • 投资选择多样：投资型保险 (Investment-linked Policies) 在新加坡提供了广泛的基金选项，包括海外基金和多种货币选择，直接由基金公司提供。

马来西亚保险的局限性

  • 覆盖较窄：马来西亚的保险以当地需求为主，尤其是遵循伊斯兰教法 (Shariah-compliant)，在投资选项上较为保守，国际化程度较低。
  • 基金选项有限：投资型保险的基金选择少于20个，且多为保险公司旗下的二级基金(Sub-fund)，而非直接对接市场的基金。

实际差异：
即使是同一保险公司在两地提供的产品，选择也截然不同。

例如，在新加坡，你可以选择全球化的投资基金，而马来西亚的投资选项通常局限于本地和区域性市场。

3. 价格：同样的保费，不同的保障

即使不考虑新币对马币的汇率，按照1:1的汇率对比，新加坡保险在性价比上的优势依然十分明显。

新加坡保险的优势包括：

  • 更高的保障：以人寿险为例，同样的保费，新加坡保险提供的保障金额可能是马来西亚的2-3倍。
  • 全球适用：新加坡的人寿险（如定期寿险和指数型万能寿险）适用于全球范围。无论你在世界哪个国家，只要有医生证明病情，就可以向保险公司索赔。

马来西亚保险的价格局限

马来西亚保险的保费虽低，但保障金额与覆盖范围有限，尤其是在高医疗费用的国家（如新加坡）时，更显不足。

—————————————

3个常见问题解答：马来西亚保险 vs 新加坡保险

Malaysia vs Singapore Insurance FAQs

Q1: 可以用马来西亚保险支付在新加坡的医疗费用吗？

可以，但赔偿金额会以马来西亚医疗费用的标准为依据，而不是新加坡的实际费用。这可能导致你需要支付额外的自费部分。

此外，马来西亚医疗险通常只覆盖短期出国的意外住院费用。如果你长期居住在新加坡，医疗费用将无法索赔。因此，建议在工作或长期居住的国家购买当地的医疗保险，以确保保障的完整性。

Q2: 新加坡保险适合哪些马来西亚人？

  • 长期在新加坡工作、居住的马来西亚人。
  • 希望通过投资型保险实现财富增值的高净值客户。
  • 需要高额保障的马来西亚客户，尤其是考虑全球医疗覆盖和财富传承的客户。

Q3: 新加坡保险能否用来理财和传承财富？

绝对可以！许多马来西亚客户选择新加坡的投资连结险(Investment-Linked Policy)、 美元储蓄险和指数型万能寿险 (Indexed Universal Life Insurance) 进行长期财富规划。新加坡的法律和金融体系在资产保护和财富传承方面具有极高的信誉和保障。

例如，许多新加坡的保险公司都推出美元的 IUL，更有竞争力，让客户有更多的选择。但是马来西亚的市场还没成熟到这阶段，所以只有一家有这个产品。

下一步？

马来西亚和新加坡的保险各有特色，但对于在新加坡工作的马来西亚人来说，选择新加坡保险往往更具优势。不仅可以获得全球化的保障，还能在长期居住期间避免因汇率、医疗费用差异等问题带来的财务压力。

如需更多信息或定制专属的保障计划，欢迎随时联系我！

WhatsApp: +65 86802340
WeChat: lidwinabq

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek independent financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

Published By:

Lidwina Teo 维娜

With over 5 years of experience in client service industries, I come to understand and appreciate the importance of high-quality customer service and customer experience. The key is to always prioritize the best interests of customers, ensuring their needs and expectations are met with professionalism.

The passion for client service extends into my current role where I strive to deliver personalized financial planning services. With more than 150 business partners in our company, I can help you achieve your financial goals by analyzing various financial products and offering tailored financial advice. 

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  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
  • 鑫盟理财私人有限公司( “鑫盟理财”)持有由新加坡金融管理局(“MAS”)所颁发的牌照，并许可在新加坡共和国境内依据财务顾问法（第110章）和证券与期货交易法（第289章）进行财务咨询等相关业务
  • Any services provided by FAPL to persons not ordinarily resident in Singapore are provided solely on an offshore basis from Singapore, resulting from direct enquiry on the part of the foreign residents.
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  • As an integral part of the provision of such services, FAPL may from time to time make available to such residents, documents and information making reference to capital markets products (for example, in connection with the provision of fund management or investment advisory services outside of the foreign jurisdiction).
  • 作为提供此类服务的一部分，鑫盟理财会不时向此类咨询者提供有关产品的参考文件和信息（例如，关于海外司法管辖区以外的资金管理或投资咨询服务等信息）。
  • Such documents and information are provided by Financial Alliance Pte Ltd (“FAPL”) is for general information only and is not intended for anyone other than the recipient.
  • 此类由鑫盟理财所提供的文件和信息仅供收件人做一般信息参考。
  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
  • 此类文件和信息不会把-个人投资目标，财务状况或其特定需求等考虑在内。
  • It does not constitute the making available of, or an offer or solicitation by FAPL to buy or sell or subscribe for any such capital markets product or to enter into a transaction or to participate in any particular trading or investment strategy nor an advice or a recommendation with respect to such financial products.
  • 鑫盟理财向该人士提供此类文件和信息将不构成要约或招揽购买或出售或认购任何此类资本市场产品，或达成交易或参与任何特定的投资策略，也不构成有关此类金融产品的建议或推荐。
  • These documents may not be published, circulated, reproduced or distributed in whole or in part to any other person without FAPL’s prior written consent.
  • 未经鑫盟理财的事先书面同意，不得将这些文件全文或部分发布，传播，复制或分发给其他人。
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  • 鑫盟理财无意在分发，出版或使用此类文件可能违反当地法律，或本公司及关联公司或关联人士需要注册，获得许可或符合规定的司法权区向当地人士分发、出版此类文件或供其使用。
  • You shall ensure that you have and will continue to be fully compliant with all applicable laws in your home country when entering into discussion or contracts with FAPL.
  • 在与鑫盟理财进行讨论或签订合约时，您应确保您已完全遵守并将继续遵守您所在原居住国的所有适用法律及条规。

In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格，即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策